Money Doesn’t Fix Chaos. Budgeting Does. | Finance Ep. 1 (Yumi Sabag)

This conversation with Yumi Sabag, our CFO, goes into something simple that most businesses still struggle with:

Budgeting.

Revenue can look strong.
Sales can feel exciting.
Growth can seem real.

Then the year ends — and the profit isn’t there.

In this episode, we break down:

• Why every business needs a financial structure
• The difference between revenue and profit
• Simple budgeting splits like 70/20/10
• Why reviewing last year’s numbers changes next year’s outcome
• How budgeting gives clarity, control, and options

Budgeting is not restriction.
It is direction.

This is Episode 1 of our Finance series.
More episodes are coming — reporting, cash flow, bookkeeping, debt, and more.

If this conversation helps you think differently about money in your business, subscribe and stay with us as we build this series month by month.

At the end of the year, what do you want to see — revenue… or money actually left in your pocket?

Timestamps:

0:00 – Welcome to Monthly Experts: Finance
0:55 – Why Budgeting Is the Foundation of Finance
1:50 – Revenue vs. Profit: The Hard Truth
3:05 – The 70/20/10 Budget Framework
4:20 – When Budgeting Becomes a Problem
5:30 – Reviewing Last Year to Plan This Year
6:40 – Budgeting in B2B & Different Business Models
7:40 – Money as a Tool vs. Money Controlling You
8:40 – Final Thoughts: Clarity, Control, Growth

Yumi Sebbag – Fractional CFO

📧 Email: Yumi@cofinanceteam.com
📞 Phone: 347-939-9959
🌐 LinkedIn: https://www.linkedin.com/in/yumi-sebbag-46582b164/

Connect with us!
📞 Phone: 845.459.0071
📧 Email: Bentzy@cofinanceteam.com
💬 Website: https://cofinanceteam.com/
🔗 LinkedIn: linkedin.com/in/moshe-bochner-6b8805222